Explore with sample finances. Public-filing records are labelled separately.
Sign in ↗SMART REDEMPTION / EMERGENCY CASH
Find room. Keep perspective.
Explore what to withdraw, see how your asset mix changes, and compare the cost of borrowing against eligible investments.A cash need.
A considered next move.
Set the amount you need. Review what is available. See a plan before deciding.
Planning only · No sale or pledge is placedAdd your own estimate. Zero excludes costs; we do not calculate tax or exit loads here.
Review your portfolio6 asset groups · confirm what can be withdrawnReviewed ↗
Available means unpledged, unlocked money you can access in time, after keeping your emergency reserves. EPF, PPF and unclassified balances stay excluded. Scenario edits last until you leave this page; stored accounts stay unchanged.
PROPOSED WITHDRAWALS
Keep the bigger picture in balance.
| Asset group | Withdraw | Keep | Mix before → after |
|---|---|---|---|
| StocksReview for redemption | ₹57,824.43 | ₹7,82,175.57 | 32.1% → 31.7% |
| Mutual fundsReview for redemption | ₹46,946.56 | ₹6,03,053.44 | 24.8% → 24.4% |
| BondsReview for redemption | ₹28,053.44 | ₹2,91,946.56 | 12.2% → 11.8% |
| EPFProtected / excluded | ₹0 | ₹4,20,000 | 16.0% → 17.0% |
| PPFProtected / excluded | ₹0 | ₹2,60,000 | 9.9% → 10.5% |
| CryptoReview for redemption | ₹17,175.57 | ₹1,12,824.43 | 5.0% → 4.6% |
The calculation minimises squared changes to asset weights within the available amounts you entered. Drift is half the sum of absolute weight changes, in percentage points. It measures allocation change, not risk or future returns.
Check each holding
Choose actual securities within these groups. Check settlement timing, liquidity, taxes and exit charges before selling.
Protect your priorities
Keeping the current mix does not establish that it is suitable. Review concentration, near-term goals and your cash reserve.
Compare the trade-off
A secured loan keeps holdings invested but adds interest, repayment obligations and the risk of collateral being sold.